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Verified Neighborhood Report

Boston, MA

Location verified via US geocoding. Safety, Schools, and Noise scores are deterministically modeled for this exact place.

Report status

US location · verified

Neighborhood intelligence

Your Boston relocation brief

Safety, noise, schools, air quality, true cost, hazard, and commute intelligence for Boston.

Median rent

$2,941/mo

HUD 2024

Median household income

$89,212

Census ACS 2022

Median home value

$684,900

Census ACS 2022

Safety score

75/100

FBI CDE

Schools

B+

Estimated

Weather

68°F (H 74° / L 62°)

Open-Meteo

Safety & Crime Index

75/100

FBI CDE

Above-average peace of mind — 28% below average

Above Average

Noise Level

40 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 68°F

Quiet — Low environmental index

High-Level School Grade

B+

Estimated

16:1 staffing ratio · Modeled district estimate from public data

Top 35% statewide

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 60 (100 = avg)

Good / Low Pollen

Side-by-side

Compare with another city

See how Boston stacks up on rent, safety, schools, and weather.

Neighborhood guide

Living in Boston MA

Boston, MA is expensive to rent. Typical rent is about $2,941/month. To rent comfortably without stretching, you want about $105,876 in annual household income (3× monthly rent × 12).

Boston has about 665,945 residents. Scores below are citywide. Your ZIP can land better or worse on rent, crime, and schools.

Is Boston MA Safe?

Boston MA scores 75/100 on safety (above average). Crime is about 28% below the national average. Pick the neighborhood carefully. Some ZIPs are fine, others are not.

Detail: overall crime index 72 (100 = avg); violent crime index 85; property crime index 58. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Boston MA

Campus scores in the report: Boston Elementary (elementary) at 7/10; Boston Middle School (middle) at 7/10; Boston High School (high) at 8/10. On this 10-point scale, 7 is solidly middle; 9 is a standout.

District picture: about B+ (above average) · Top 35% statewide. Student-teacher staffing: 16:1. If schools drive your move, compare the specific campuses that serve your target address against statewide peers.

Cost of Living in Boston MA

Typical rent in Boston is about $2,941/month (very expensive). At $2,941/month for a typical unit, you need about $105,876+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $684,900.

Median household income is $89,212, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($89,212) sits below the $105,876 comfort line for that rent. Many households will feel stretched.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Boston MA

Average temperature is about 68°F (highs near 74°F, lows near 62°F).

You can be outside most of the year without extreme gear. Heating and cooling costs are usually moderate compared with hotter or colder metros. If you visit, go in winter or midsummer (not only in spring) to see the extremes.

Who Should Move to Boston MA?

Who tends to thrive in Boston: (1) Households that want quieter streets (safety sits at 75/100) (2) Dual-income households (at $2,941/month, the rent math works much better with two salaries) (3) Tech and finance workers (the job market is real and local pay near $89,212 helps carry housing costs) (4) People relocating for a job who can pick a safer ZIP (citywide safety is 75/100)

Who should look elsewhere: (1) Single earners under $70k (the rent-to-income ratio is tight at $2,941/month) (2) Anyone stretching past 40% of take-home on housing at $2,941/month (3) Households expecting top marks on rent, safety, and schools at once (Boston does not clear every bar)

Income sniff test: clear about $105,876 household income for $2,941/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Boston MA is not worth it for most movers right now. The data says the risks dominate.

The strongest upside is safety at 75/100 (above what many metros post).

The biggest risk is rent at $2,941/month. Budget from a $105,876+ household income or the ratio gets tight.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Boston.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$4,630

Mortgage + tax + insurance + HOA

Annual property tax

$9,931

Annual est. $5,580

Est. monthly utilities

$1,198

Climate-adjusted electric, gas & water

Median home price

$684,900

Census ACS 2022

Home price trend

5-year median sale price

+11.2% · 5 yr
$616k
2022
$632k
2023
$649k
2024
$667k
2025
$685k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$1,689/mo vs buying
$2,941HUD 2024
Rent
$4,630
Buy

Mortgage

$3,463

Property tax

$828

Insurance

$245

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$9,088/yr

2024

1.37%

$9,361/yr

2025

1.41%

$9,642/yr

2026

1.45%

$9,931/yr

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

42 (100 = avg)

low exposure

Est. annual homeowners insurance

$2,935/yr

elevated exposure
Wind hazard index60 (100 = avg)
Tornado index
Earthquake index
Insurance trendTypical near-term temperature around 68°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $2,935.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Boston to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo